Aking responsibility for constructing and automating periodic reports tracking the approval and rejection rates of each product and region, and analyzing detailed reasons for rejection. Evaluating the portfolio using various analytical techniques (Vintage, Was-Is, Flow rate, Lag/Coin delinquency, etc.).
Assisting in managing the quality of the credit portfolio, establishing risk analysis reports for the credit portfolio, including: Business performance, application assessment, approval results; Credit quality status, credit risk, and non-performing loan quality; Provisioning levels and loss ratios; Other risk reports as assigned.
Analyzing data to support the development/modification of credit policies and product policies.
Regularly monitoring the quality of the portfolio, conducting in-depth analyses related to risk, and proposing appropriate credit risk management solutions.
Performing calculations for KPI measurement indicators and calculating incentives for teams within the appraisal and debt collection center.
Participating in debt classification and preparing provisioning reports, reports for the State Bank, and information reports for credit institutions.
Job Requirement
A. Skills, Knowledge, Experience
Qualifications: Bachelor’s degree or higher, or an equivalent degree in a related field involving data, such as Applied Mathematics, Statistics, Econometrics, Banking and Finance, Information Management, Operations Research, etc.
Experience: At least 3 years of experience in portfolio report analysis or similar fields.
Language Proficiency: Good reading and writing skills in English.
Understanding of Products, Services, and Policies: Knowledge of consumer finance products and services.
B. Competency and Professional Skills
Skill Requirements: Proficient in using query languages and data processing tools such as SQL, Python, etc.
Proficient in report development software: Advanced skills in Excel, Power BI, etc.
Experience working directly with portfolio quality control metrics: Familiarity with metrics such as Vintage, Was-Is, Delinquency, Flow Rate, Lag/Coin Delinquency.
Data Analysis: Ability to analyze data to support the development/modification of credit policies and product policies.
Experience in implementing loan classification reports, provisioning reports, SBV reports, and information reports for credit institutions.
REASONS TO JOIN SHBFINANCE:
A professional, open working environment that emphasizes 5 core values: “Smart – Honest – Brave – Friendly – Cooperation”:
Working hours: Monday to Friday, with a 1.5-hour lunch break.
Friendly and open-minded colleagues who value individual development.
Spacious open office with all necessary equipment provided for work.
Special attention to employees:
Competitive compensation package with regular salary increases. Total income can reach up to 14 months' salary per year.
Lunch allowance of up to 1,200,000 VND/month.
Exclusive healthcare benefits with comprehensive SHBFC Care insurance.
Annual health check-ups at top hospitals in Vietnam, along with social insurance benefits as per state regulations.
Annual company trips and team-building activities.
Focused on supporting personal development:
Guidance, companionship, and career development support from experienced, talented managers.
Opportunities to participate in major projects, leading in the consumer finance sector.
Support for learning activities, knowledge exchange, and cultural interaction (Training, Seminars, ETC.)
